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COUNTDOWN TO RETIREMENT

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The countdown to retirement usually starts within five years of retirement. Review and refocus all of your goals, ensure its on target.

By using our proven and specialised CARE Investment Philosophy, we start a pre-retirement plan, so you have a clear understanding of what you need to do now, in order to achieve your vision of successful retirement.

Countdown to Retirement  is designed for people who:

  • Are approaching retirement age, who are actively planning and seeking guidance on optimising their financial portfolio for a smooth transition

  • Aim to assess their current financial standing and create a strategic plan to ensure a comfortable retirement

  • Have a desire to maintain a high standard of living throughout retirement

  • Are looking for guidance on how to rebalance assets, minimise risk, and ensure a sustainable income during retirement

  • Have become empty nesters, providing a comprehensive financial strategy to adapt to changes in expenses and redirect resources towards retirement savings

  • May have undergone significant life changes such as divorce, inheritance, or windfalls, offering tailored financial advice to align their retirement goals with newfound circumstances

  • Are contemplating early retirement, offering insights into the financial implications, potential lifestyle adjustments, and ensuring a secure financial foundation for the years ahead

THE KEY AREAS COVERED ARE:

  • HOLISTIC FINANCIAL PICTURE: Gain a comprehensive understanding of your overall financial situation, including income, expenses, assets, and liabilities

  • FINANCIAL GOAL REFOCUS: Review and tracking of goals, adjustment of objectives and strategies to ensure goals are met 

  • TRANSITION TO RETIREMENT STRATEGY: Consideration of income sources during retirement, including pension, superannuation or a combination of both

  • SUPERANNUATION: Superannuation strategy review to effectively maximise tax benefits, with consideration to contribution limits, and investment strategy risk audit

  • RISK MANAGEMENT STRATEGY: CARE Investment Philosophy

  • PERSONAL INSURANCE PLAN REVIEWED

  • ESTATE PLANNING REVIEWED, UPDATED OR PROVIDED

  • TAX PLANNING: Ensuring all assets are structured efficiently and tax is not paid unnecessarily in retirement

  • DEBT REDUCTIONAction plan to reduce debt in preparation for retirement

  • EMPOWERMENT THROUGH EDUCATION: Gain a deeper understanding of financial concepts and strategies, empowering you to make informed decisions

ONGOING ADVICE:

Our Ongoing Advice Service is designed to track your progress, hold all parties accountable, and will make sure you remain disciplined with your long-term plans.

It also includes a range of ongoing services to ensure your financial well-being:

  • ANNUAL REVIEW: Meet atleast once annually to ensure your financial plan remains relevant.

  • DEDICATED ADVISER SUPPORT: Access practical money coaching and advice via phone or email.

  • PORTFOLIO MANAGEMENT: Continuous monitoring and adjustments to your investments.

  • ADMINISTRATIVE SERVICE: Assistance with financial affairs and liaison with other professionals.

  • INSURANCE SUPPORT: Help with insurance matters, including underwriting and claims.

  • EDUCATION: Receive periodic economic and financial updates through various channels.

  • WEALTH PORTAL ACCESS: Exclusive access to our user-friendly tool for managing your finances in real-time.

Wealth Collab is a Fee for Service practice, so you will always know the exact cost before proceeding with any of our programs.

1. Let's Get Started!

The Commitment Fee is paid up front and is only charged once you agree to engage our services. The Advice Fee is charged once plan has been presented and covers the costs of preparing your Statement of Advice (SOA) and implementation of recommendations.

$550 Commitment Fee

+

$2,500 Advice Fee (for an individual)

$3,300 Advice Fee (for a couple)

You may be able to pay your Advice Fee (fully or partially) from your super. 

2. Let's Keep it on Track!

Our Ongoing Advice Service is a monthly based subscription that can be cancelled at any time. It's designed to track your progress, hold all parties accountable, and will make sure you remain disciplined with your long-term plans.

$150 per month (for an individual)

$200 per month (for a couple)

Our Ongoing Advice Service can be tax deductible and may also be paid (fully or partially) from your super. 

All pricing includes GST.

Plan pricing is an indication only, and may vary depending on personal circumstances and level of complexity.

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